TellerScore

The First National Bank of Hebbronville (FDIC certificate #3248) is based in Hebbronville, Texas. Its Q2 2026 call report shows $102.0M in total assets and $88.3M in deposits and 1 office.

The First National Bank of Hebbronville has a TellerScore of 87 out of 100 (very strong) based on Q2 2026 data — higher than 91% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 36th. Capital cushion contributes the most (100/100, 16.51%); earnings contributes the least (69/100, 1.21%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 16.51%
Loan quality84/100
Noncurrent loans ÷ total loans: 0.47%
Earnings69/100
Return on assets (annualized): 1.21%
Funding & liquidity81/100
Loans ÷ deposits and uninsured-deposit share: 28.7% · 32.3% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.91%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (87 → 87).

TellerScore
798692Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202485
Q4 202485
Q1 202592
Q2 202587
Q3 202591
Q4 202579
Q1 202690
Q2 202687
Tier 1 leverage ratio
5.00%12.31%19.62%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202419.47%
Q3 202419.62%
Q4 202419.10%
Q1 202517.81%
Q2 202518.03%
Q3 202518.35%
Q4 202516.52%
Q1 202616.83%
Q2 202616.51%
Noncurrent loans
0.09%0.90%1.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.61%
Q3 20240.57%
Q4 20240.54%
Q1 20250.09%
Q2 20250.50%
Q3 20250.47%
Q4 20251.70%
Q1 20260.09%
Q2 20260.47%
Return on assets
0.77%1.19%1.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.77%
Q3 20240.86%
Q4 20240.95%
Q1 20251.38%
Q2 20251.19%
Q3 20251.60%
Q4 20251.61%
Q1 20261.26%
Q2 20261.21%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$102.0M16.51%0.47%1.21%28.7%
Q1 202690$99.3M16.83%0.09%1.26%29.7%
Q4 202579$96.6M16.52%1.70%1.61%31.6%
Q3 202591$92.1M18.35%0.47%1.60%33.9%
Q2 202587$93.1M18.03%0.50%1.19%32.4%
Q1 202592$92.6M17.81%0.09%1.38%32.3%
Q4 202485$89.9M19.10%0.54%0.95%33.7%
Q3 202485$83.2M19.62%0.57%0.86%38.0%
Q2 202483$83.4M19.47%0.61%0.77%36.6%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio16.51%
92nd
Total risk-based capital48.74%
99th
Problem loans0.47%
47th
Net charge-offs0.07%
24th
Return on assets1.21%
48th
Net interest margin3.27%
19th
Efficiency ratio69.1%
32nd
Loans to deposits28.7%
98th
Uninsured deposits32.3%
22nd
Loan-loss reserves0.79%
10th
Texas ratio0.9%
70th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
The First National Bank of AnsonBank Anson, TX71 out of 100, Strong$105.2M7.8%0.26%vs
First Capital BankBank Quanah, TX69 out of 100, Moderate$107.3M9.6%0.70%vs
The Cowboy Bank of TexasBank Maypearl, TX77 out of 100, Strong$108.6M17.5%2.29%vs
Citizens National BankBank Crockett, TX80 out of 100, Strong$108.8M12.8%0.00%vs
The Lytle State Bank of Lytle, TexasBank Lytle, TX79 out of 100, Strong$114.6M14.6%0.53%vs
The Commercial BankBank Mason, TX79 out of 100, Strong$114.6M9.9%0.00%vs

Deposit insurance

Is my money safe at The First National Bank of Hebbronville?

Yes. The First National Bank of Hebbronville is an FDIC-insured institution (FDIC certificate #3248). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.3% of deposits ($28.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 16.51%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 48.74% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

The First National Bank of Hebbronville lists 1 office in 1 city. Most locations:

  • Hebbronville, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
The First National Bank of Hebbronville
Type
National bank
FDIC certificate #
3248
RSSD ID
173959
Primary regulator
OCC
Holding company
Hebbronville Regional Bancshares
Established
January 1, 1913
Headquarters
305 N Smith Ave, Hebbronville, TX 78361
Employees
17

Quick answers

The First National Bank of Hebbronville: common questions

Is The First National Bank of Hebbronville FDIC insured?

Yes. The First National Bank of Hebbronville is an FDIC-insured institution (FDIC certificate #3248). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The First National Bank of Hebbronville's TellerScore?

87 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The First National Bank of Hebbronville ever failed?

There is no failure record for FDIC certificate #3248 in the FDIC failed bank list.

How many branches does The First National Bank of Hebbronville have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Hebbronville

InstitutionScoreAssetsCapitalProblem loansCompare
International Bank of CommerceBank Zapata, TX93 out of 100, Very strong$567.8M13.6%0.07%vs
Bank of South TexasBank Mcallen, TX86 out of 100, Very strong$174.5M16.6%0.23%vs
Greater State BankBank Mcallen, TX75 out of 100, Strong$180.2M11.1%0.05%vs
Texas Champion BankBank Corpus Christi, TX64 out of 100, Moderate$436.6M10.5%0.39%vs